Investment Vehicles to Avoid

Posted Leave a commentPosted in Investments, Financial Literacy, High Yield Deposits, UITF / Mutual Funds, Insurance, Personal Finance

As you make important decisions about your money and what to invest in, it’s good to know which investments are good and which ones aren’t. Unfortunately, this isn’t always clear. […]

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TEL Me Where It Hurts – When Buy and Hold Hurts Your Investments

Posted 2 CommentsPosted in Investments, Stock Market 101, Fundamental Analysis, Stocks, Technical Analysis, UITF / Mutual Funds, Personal Finance

What happened to TEL shows how Buy and Hold (Forever) can hurt Juan’s investments. Those who bought TEL in 2006, hoping to gain much from it, will be depressed to see that after 10 years, there wasn’t any capital appreciation. Wasted time. Wasted paper gains all those years. I hope not a lot of people did that. Though again, a small compensation is the dividends so in that sense, it is still a lot better off than time deposits (even if invested capital did not appreciate).

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Ask Geri: OFW Prepared for Death Expenses, Now How to Live?

Posted Leave a commentPosted in Financial Literacy, Ask Geri, Financial Freedom, UITF / Mutual Funds, Insurance, Personal Finance

In a gist, VUL asks you to commit a monthly payment whether it is for the next 5, 7, 10 or 15 years. During this time, a portion goes to protection by guaranteeing an amount in case the owner dies, suffers disability or critical illness. Further a portion is invested in instruments that work like a Mutual Fund / UITF which grows exponentially over time. This fund is withdrawable for any use, such as eventual retirement, tuition fees, home purchase etc.

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